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Look Who’s Joined BayCare Medical Group Lawandy Bolis, MD Hospitalist 6600 Madison St. Floor 2 New Port Richey (727) 815-7207

Marivette Machado Cortes, MD Endocrinology 1106 Druid Road Suite 101 Clearwater (727) 461-8300

Swasha D. Fields, MD Family Medicine 4211 Van Dyke Road Suite 101B Lutz (813) 960-4026

Ngoc Phuong Nguyen, MD Family Medicine 10330 N. Dale Mabry Highway Suite 190 Tampa (813) 969-4440

Abilash Haridas, MD, FAANS Pediatric Neurosurgery 3001 W. Dr. Martin Luther King Jr. Blvd. Tampa (813) 554-8690

Magalys Torres, MD Family Medicine 1601 W. Timberline Drive Suite 300 Plant City (813) 754-4611

Olga Kristof, MD, FACC Cardiology 455 Pinellas St. Suite 330 Clearwater (727) 724-8611

Eden A. Zeleke, MD Obstetrics and Gynecology 303 Pinellas St. Suite 230 Clearwater (727) 462-3401

If you’re a primary care physician or a specialist, we have exciting opportunities for you. Whether you’re a new or experienced physician, if you’re looking for a new professional home, consider BayCare Medical Group. To learn about employment opportunities, visit or contact a recruiter at (813) 636-2009. 17-194781-1017

M a k e Us Pa rt O f T h e Fa m i ly .

B ra n d e n N e g ro n

Je s s i c a A g u i a r





B ra n d e n . N e g ro n @ To m l i n S t C y r. c o m

B ra n d e n . To m l i n S t C y r. c o m @ Ta m p a s A g e n t


Je s s i c a . A g u i a r @ To m l i n S t C y r. c o m

Je s s i c a . To m l i n S t C y r. c o m @ Ta m p a B ay s R e a l t o r

Contents 6


Medicine Can Be De-Humanizing


Feature Medicine Can Be DeHumanizing


Feature 6 Ways to Make Your Holiday Party


Feature Evaluating a Physician Partnership


Impact Finding Your Impact


Fall Fashion Fall back to the basics...


12 14

Evaluating a Physician Partnership

Finding Your Impact 4


4 Questions You Should Be Asking Your Financial Advisor Doctor’s Life Tampa Bay

From the Publisher

Feature 4 Questions You Should Be Asking Your Financial Advisor

Advertisers Anise Restaurant 7 BayCare Medical Group 2 Cena 5 The Florida Orchestra 19 JW Marriott 23 The Meridian Club 21 Opes Health 17 PNC Bank 24 Tomlin St CYR Real Estate Services 3 Transplant & Hepatobiliary Specialists at Largo 11

Issue 5, 2017

From the Publisher


might be speaking for myself but this year felt like it flew by. The holidays are right around the corner and it feels like it was spring only a few days ago. I’m sure I feel the same way every year. August hits and I’m almost always wondering where September went because it is Halloween already. It can be common to feel a little burned out towards the end of the year; especially if your year has been non-stop. In this issue of Doctor’s Life, we demonstrate how Double Board Certified facial plastic surgeon Dr. Rich Castellano maintains a burnout free attitude and how it affects his patients. A smile a day can keep the burnout blues away. However, if you smile all day long and still feel like there is never enough time in the day check out page 12 to evaluate if and how a partner could be your answer. In a technology fast world, it is crucial to stay with the times. Learn how our newest contributor Melanie Hicks, Ph.D. is helping impact Tampa by organizing a much-respected incubator organization launch a new program in Tampa Bay. Tampa has been chosen as one of only three cities in the US to host an inaugural 2-Day Launch Camp, a new program from nationally-ranked incubator SEED SPOT. It is an exciting time to be part of Tampa Bay.


Published by

Tampa Headquarters 1208 East Kennedy Blvd. Tampa Fl, 33602 813-867-0916 Group Publisher Ed Suyak

This is the time of the year when the rest of the country is feeling cooler temperatures. Most do their fall fashion shopping the end of August, early September. Floridians are still enjoying warm weather and weekends at the beach. Which is why we had our fashion contributor Kristin Wright wait until November to offer up her fall fashion tips. If “Keeping Up With the Joneses” is a priority or you just want your holiday party to be over the top this year make sure to turn to page 10 to learn a few tricks to make your holiday party one to remember.

Creative Director Rob Stainback Editorial Director Danielle Topper Associate Publisher CJ Cooper Advertising Account Executive Ryan O’Neil

We wish you the best holiday season ever. As always, thank you for your readership.

Contributing Writers Ashley Pontius Kristin Wright Melanie Hicks, PhD Nick Hernandez

Be well,

-Ed Ed Suyak Group Publisher

Doctor’s Life Magazine’s mission is to provide physicians content and information that may assist in creating a better professional and leisure life. Our focus is to provide articles that can help to better your practice and your lifestyle outside of the white coat. We want to be your source for inspiration and content on living a good life. Doctor’s Life Magazine wants to know about extraordinary physicians and staff, upcoming events, and article ideas or contributors. Please email us if you have an event, idea or know of a doctor making a big difference. We want your suggestions and feedback. For all comments, ideas, advertising inquires or to request a media kit contact Doctor’s Life Magazine, Tampa Bay does not assume responsibility for advertisements or articles published, nor any representation made therein, nor the quality or deliverability of the products themselves. Reproduction of articles and photographs, in whole or in part, contained herein is prohibited without expressed written consent of the publisher, with the exception of reprinting for news media use. Doctor’s Life Magazine is considered a form of entertainment and should not be deemed as medical, legal or business advice without consulting the appropriate professional regarding the specific subject matter. Printed in the United States of America.


Doctor’s Life Tampa Bay

Issue 5, 2017

Medicine Can Be


By Ashley Pontius

Both physicians and patients are suffering. Here’s how to cure it.

hysician burnout is an epidemic, affecting not just doctors, but their practices and ultimately their patients. Numerous global studies involving nearly every medical and surgical specialty indicate that approximately one in three physicians are experiencing burnout at any given time, with some studies showing the prevalence as high as 60 percent. It is no wonder with the high stress of the medical profession, combined with the ever-changing healthcare playing field. Physician dissatisfaction has negative consequences far outside the hospital or exam room, from lower patient satisfaction to an increase in medical errors. So, what can be done? Double Board Certified facial plastic surgeon Rich Castellano, M.D. says the answer is simpler than we think. Dr. Rich, as he likes to be called, spends his days making patients look good on the outside. His practice’s motto is “Look Good, Feel Good, Do Good!”


However, he is even more concerned with how patients feel on the inside. Dr. Rich is the author of the Wall Street Journal best-selling book called ‘The Smile Prescription’ that advocates a simple philosophy: It takes courage to bring ourselves and others to smile in

Doctor’s Life Tampa Bay

difficult situations. Are you up to the challenge? The more we smile at people around us, the more we open the door to personal relationships, and personal growth. His advice for doctors: “My number one tip for physicians is the same as I would give

Issue 5, 2017

to any of my patients, seek family, friends, or role models that are happy with what they are doing, and do what they do! We will become who we spend time with. We are often too hard on ourselves, and we never see ourselves the way that others do. For example, cosmetic patients can often fixate on “facial imperfections” and be unhappy with their appearance that actually looks quite good. Doctors can be the same way. If we are too perfectionistic, we fail to celebrate our accomplishments and realize that we have it better than most. Learning to be more accepting and be forgiving of “Life or Work Imperfections” will reduce the burnout and compassion fatigue. Dr. Rich says many physicians today suffer from anhedonia. The MerriamWebster dictionary describes it as ‘a psychological condition characterized by the inability to feel pleasure’. “Why do doctors today suffer from that? Because medicine can be dehumanizing. Even medical training can be dehumanizing. When I meet a medical student, the first thing I tell them is how amazing they are and how beautiful it is that they are dedicating their career and life to serving others in medicine. Please don’t lose sight of how important and awe-inspiring that is! No matter how tough it gets or how angry the people around you may become, please don’t forget how kind you are,” says Dr. Rich. The prescription, according to Dr. Rich, is to celebrate life, during small moments, each day. That includes in the exam room, or the hospital room, with their patients. “This is what I call re-humanization. You need to humanize each of your patients. Celebrate them in the exam room. It doesn’t take a lot. You don’t need to know a lot about a patient to connect with them on a personal level and say, ‘How is your day going?’. ‘How is your kids/family” “How was that trip you took?”.’ Smile at them. Connect with them. Then do that again, and again and again, day after day.” One of the best ways to connect with people Dr. Rich says it’s to smile at them. In fact, as any good physician, he has come up with a scientific approach. He calls it the ‘smile scale’, ranging from high to middle to low smile categories. Dr. Rich says he can predict a person’s behavior using this simple formula. What’s more, a Issue 5, 2017

physician’s smile score can either help or hinder their practice, and their bottom line. “Some people smile no matter what happens to them. Others never smile under any circumstances. Doctors need to ask themselves ‘What would my average patient say my smile score is?’ I have a suspicion that a majority would say low or middle. Yet, patients worry that low smiling doctors may not care as much, or perhaps they are stressed or in a hurry. When patients see a smiling doctor, they are more at ease, they feel the doctor cares, and they feel more connected to their physician. That is the best medicine they will ever receive, and they will come back again and again because that doctor makes them feel good.” So, what can you do to get out of the cycle of anhedonia? 1) Smile at a stranger. How many times have you been in an elevator and avoided eye contact? “People think smiling is a small and simple thing, but it actually takes a great deal of courage in many circumstances. If you have the courage to smile at someone new, you will make a new friend. Smiling represents kindness. It creates connection on a deep level that is common to us all,” says Dr. Rich. 2) Connect with your patients on a personal level. When you walk into an exam room, ask questions that are outside what is ailing the patient, and what their previous diagnosis is. Ask them how their family is doing, or if they Doctor’s Life Tampa Bay

have been on a vacation recently. If you can make them smile or laugh, and make them feel comfortable, you are solidifying that relationship, and also fulfilling yourself. 3) Never forget your humanity. “This world can be hard. We just went through Hurricane Irma, and Hurricane Maria, down in Puerto Rico, that affected so many of our relatives and friends. As doctors, it’s important to remember that many of our patients are going through a lot. It’s okay to shed a tear with them, and then when you’re done, help them make a plan and move on. This too shall pass. Dr. Rich’s philosophy is clear: “We need to re-humanize the world of medicine, and it all can start with just a simple smile.” Please - have the courage to share your smile, even when it is difficult to do so. The life you save may be your own ( : Dr. Rich is based in Tampa and The Villages Florida, and he is proud to train doctors in bedside manner and business success from all across the country through the online coaching and mentoring program He will be teaching these strategies and more in his live 2-day event “Heal the Healer,” assisting doctors with reducing burnout and getting the most out of their patient relationships and their practices.


6 O

Ways to Make Your Holiday Party

n the one hand, the holidays are all about traditions. You and your family probably have some favorite recipes you like to cook up, or maybe it's a trip to the tree farm or pumpkin patch. But just as much as holidays are about tradition, many have an insatiable drive to outdo themselves and try something new, to outdo the festivities of years past and make this holiday season the most memorable yet. How can you outshine yourself this holiday season? The answer is simple: Think big. Don't be confined to the party supplies you have around your house; stretch out and rent equipment similar to what professional party planners use. RentalHQ can connect you to nearby rental stores and help your party stand out from the usual traditional gatherings. Here are some other great ideas to jump-start your holiday party planning.

1. Making a list and sticking to it. Plan ahead, and don't be afraid to delegate. Know what you're capable of doing and give other people things to do. Asking guests to help with a party-related task makes them feel more involved, so never be afraid to ask.

2. Serve your food the right way. Preparing a holiday meal is a labor of love, but even for small gatherings, it can be a real challenge to make sure that delicious food stays warm and is served at its optimal temperature. Renting chafing dishes for main courses and hors d'oeuvres can ensure that the temperature and flavor of your food stays just right and that those masterpieces you cook up taste better than ever.


3. Add some smoke, snow or bubbles. Whether you want to bring some snow to a Christmas party or some cool smoke and fog effects to ring in the New Year, renting a snow or smoke machine can create a party atmosphere like none other.

4. Drink in style. To throw a truly stellar holiday party, there are some items you must have. On the top of many people's list is a full-service bar. If you don't have a built-in bar in your home or party venue, you're in luck. Why? Because you'll have more options to choose from when you decide to rent one. Whether it's an illuminated bar, modernist style or a classic stone-top design, renting a portable bar to fit your party is a key.

5. Fountains of deliciousness. To really go all out, you need to think bigger. You need to plan as though you were throwing an A-list celebrity party. Renting a champagne or chocolate fountain is a sure way to do this. A perfect blend of luxury and deliciousness, a fountain will leave guests talking about that tumbling tower of liquid chocolate or bubbling champagne for years to come.

6. Focus on the details. For many holiday get-togethers, it's all about having the right plates and serving ware. For a reasonable price, you can easily rent fine china and exquisite glassware that will wow your guests. Best of all, you won't have to spend a fortune on items you only use a couple of times a year! Need help finding these items or have other party ideas in mind? Locate virtually everything you need by visiting www. and be prepared to set a new standard for holiday parties.

Doctor’s Life Tampa Bay

Issue 5, 2017

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Dr. Hussein Mohamed is a board-

Dr. Basem Alkurdi is the Medical

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certified surgeon, specializing in transplant and hepatobiliary pancreatic surgery. He is the Medical Director of the Kidney and Liver Transplant Program and Hepatobiliary Pancreatic (HBP) Surgery Center at Largo Medical Center. Dr. Mohamed is also an Affiliate Assistant Professor of Surgery at the University of South Florida and Teaching Professor for DO Students, Residents and Fellows at Largo Medical Center, for Nova Southeastern University.

Dr. Layal Abdel Rahman is a board-certified nephrologist and the Medical Director of the kidney transplant program at the Transplant Institute of Florida. Dr. Rahman has advanced training in taking care of very high immunologic risk patients, managing a broad spectrum of post-transplant complications.

To Learn More or to meet with our team, call (727)-587-7120 or visit

Transplant & Hepatobiliary Surgical Specialists At Largo 1301 2nd Ave. S.W., Suite 315, Largo, FL 33770


Physician Partnership By Nick Hernandez


Doctor’s Life Tampa Bay

Issue 5, 2017

Bringing in a physician partner has many advantages: A partner may help your practice grow and become more successful; partners allow you to share the workload and to combine skills with another provider; and you can enrich your practice by having a solid teammate. However, business partners can become your greatest asset or worst liability. Deciding whether or not to share your practice with someone else may be one of the most important business decisions you ever make. Deciding who you go into business with can be just as important.


here is no way to guarantee a potential partnership will work. Consequently, weighing the advantages and disadvantages of having a physician partner, and carefully analyzing the reasons for choosing a partner can help ensure that you find the right person to entrust with your practice. Identify what you really need from a physician partner before you start looking for one. Once you have completed this essential first step, you can begin the process of choosing a partner.

Weighing Their Strengths Draw up a set of criteria that you're looking for and simply judge how well a potential partner lives up to it. For starters, a physician partner should bring something different to the table than you do. If you're creative, maybe you need a more detail-oriented partner. Or if you're shy, you might need a good "people person" to balance the equation. If they're similar to you, it might be more comfortable, but it may not be what you need. You need someone who complements your skills and personality. Of course you will want to weigh their standing in the referring physician community. A business partner who is adept at cultivating relationships with your referring physicians adds value to Issue 5, 2017

the practice. Also consider how they interact with employees and patients.

Sharing Your Vision It is very important that partners share the same vision and goals for the practice. Discuss your vision with your potential or current business partner. Evaluating a potential partner can be like trading life stories to understand if your business principles, company goals, and personalities are compatible. Take as much time as you need to make a well-informed assessment of whether your business partner is actually a suitable one. You should share a sense of vision and values but not have overlapping skills.

Considering Commitment Assess the potential partner's expectations on the time involved. Partners don't have to spend the same amount of time, but it is important that they are on the same page as to each other's expected time commitments. How many hours a day does your partner expect to put into the practice, and do his expectations meet yours? Your partner's commitment has to equal yours. A partnership — especially one between friends — can start off with fun and excitement, but within a short time, the slog of every day catches up with you. If they're not as committed to the business as you, they may lose their enthusiasm and may actually be damaging the brand every time you open your doors.

Using Professional Advisors An attorney can help you build important information into an agreement, such as how the work will be divided, what will happen if more startup money is needed, and how decisions will be reached. Although partnerships need to be written up, remember that people make partnerships work, not legal documents. And remember, the best time to address potential problems with your partner is at the beginning of your venture, before emotions run high. You can't predict every potential problem, but a good healthcare attorney and consultant can help you work through some of the common problems and put a framework in place to help address unforeseen circumstances. Try to evaluate potential partners without regard to emotional ties or friendship. Your potential partner should also have questions for you and should want to know about your character, reliability, and expectations. Oftentimes I see a practice that greatly values what a physician brings but fail to consider what this same physician may want out of a partnership. What does she want out of the partnership arrangement (financially, operationally, and strategically)? The right partner can assist in escalating the growth of the practice, and shoulder a large chunk of the workload. Conversely, a wrong partner can bring down the business. Patience, honesty, and careful considerations will pave the way for making the right decisions.

Doctor’s Life Tampa Bay


Impact "Genius is the idea. Impact, however, comes from action." - Simon Sinek


Finding Your Impact By Melanie Hicks, PhD

ike so many of us, you may long for ways to make a tangible impact in our communities yet struggle on finding the right fit. Something more hands on than simply donating money. Something with more long term relevance than volunteering for a day. Something innovative perhaps? This issue’s feature highlights two innovative ways you can give both time and money to support social entrepreneurs and social enterprise in our community. Two ways to leave a long lasting impact. Let’s begin with a definition of impact. Mission statements are not your biggest impact. Viral videos of philanthropy related stunts are not your biggest impact. Even grandiose acts of kindness or donations of time or sums of money are not your greatest impact. Why not, you ask?


SEED SPOT Chooses Tampa Bay for New Entrepreneur Program Tampa has been chosen as one of only three cities in the US to host an inaugural 2-Day Launch Camp, a new program from nationally-ranked incubator SEED SPOT. Launch Camp, organized by Tampa’s own InPursuit Research Institute and supported by more than 30 local entrepreneurs, will catalyze diverse impact-driven entrepreneurs in the Tampa Bay community to help solve problems like poverty, access to healthcare, and improving quality education options. A 501c3 nonprofit founded in Phoenix only 5 years ago, SEED SPOT is dedicated to supporting all social entrepreneurs creating a product, service, or technology that improves lives or makes the world a better place. They support entrepreneurs by surrounding them with the right access to resources, mentors, business fundamentals, community partners, capital sources, and anything they need to succeed. Just look at

Doctor’s Life Tampa Bay

Issue 5, 2017

some of their success metrics. With core values like supporting diverse and traditionally underrepresented entrepreneurs, bringing optimism to solving real-world problems, and maintaining full authenticity at all times, it is no wonder that SEED SPOT has garnered the attention of

national sponsors like American Express, JP Morgan Chase & Co, US Small Business Association, the Kauffman Foundation and Cisco. Their accomplishments have also been recognized in USA Today, Forbes, Conscious Company Magazine, the Huffington Post and even by winning a 2016 Emmy. "Tampa Bay demonstrates a unique entrepreneurial ecosystem and diverse community," C'pher Gresham, VP of Communities at SEED SPOT explains. "We found a growing movement of entrepreneurship and knew that there should be equal support for impact-driven entrepreneurs." The 2-Day Launch Camp creates a pipeline of impact-driven entrepreneurs by bringing together ecosystem builders, entrepreneurs, local government, investors, universities, civic leaders and other community stakeholders to foster an ecosystem that believes in business as a force for good. Participants will come in with a business concept or an earlystage venture and leave with a deep understanding of their business, an action plan for success, and a compelling pitch to rally support. This inaugural Launch Camp will take place November 9-10, 2017 at the Lowth Center for Entrepreneurship at the University of Tampa. A fitting way to usher in Global Entrepreneurship Week, this twoday event will host 20+ participants, 20+ mentor entrepreneurs, and culminate in a closing Pitch Night open to the public. Along with Mayor Buckhorn’s welcome, the participants will pitch to the crowd their Business for Good and then celebrate the beginning of their ventures with food and drinks. "We can't wait to see the types of solutions that these Tampa Bay Issue 5, 2017

entrepreneurs will create!" says Gresham. Does this kind of innovative changemaking resonate with you? The team is still looking for community supporters and sponsors. Come out to the Pitch Night November 10th and be a part of the movement. To find out more visit the 2-day Launch Camp event website at or contact me at Melanie@

Social Venture Partners Host a new initiative: Fast Pitch Social Venture Partners is a philanthropic network of more than 40 affiliates worldwide who do more than give away money. SVP helps those out to do good, do better – bringing together donors, nonprofits and social enterprises to make a greater collective impact. Their mission is to cultivate effective philanthropists, strengthen nonprofits, and invest in collaborative solutions – building powerful relationships to tackle our communities’ social challenges. SVP has a 2030 goal to spread their principles and practices globally for emulation and transformation of philanthropists, leaders and communities. To achieve this goal, SVP International focuses on the strength of their affiliates and partners and their guiding principles including engaged venture philanthropy, entrepreneurial spirit, philanthropic education, community and collaborative action, mutual respect and accountability. Locally, SVP Tampa has invested more than $64,000 and 1600 volunteer hours to community nonprofit organizations. Recently, SVP Tampa selected 10 community nonprofits looking to scale their business model and diversify their funding structure Doctor’s Life Tampa Bay

to include social enterprise. Nonprofit representatives from these organizations will participate in 5 weeks of accelerator training from SVP partners considered subject matter experts and then participate in a Fast Pitch event. Following the accelerator, the “Fast Pitch” culminating event is an exciting highenergy, fast-moving, quick-fire competition where social entrepreneurs share the mission, vision, promise, and model of their organization and compete for cash and prizes. More information on Social Venture Partners can be found at www. Each of these initiatives is unique but powerfully important to our community. In the United States, the world ‘s biggest economy, 75% of the 16 million businesses are run as sole proprietorship (entrepreneur. com). The millions of small and medium sized firms started by Entrepreneurs provide the innovations that create jobs intrinsic to economic growth and development. So many of the products and services we take for granted were introduced by entrepreneurs of years past; telephone service, the automobile, the airplane, air conditioning, the personal computer and accompanying software. (Osalor, 2016)* What if today’s greatest innovation and creative energy were focused on making a difference in our community? Our world? What if we move beyond one more product to clutter our homes and invested in ideas that solve societal problems while growing our economy? The “What If” is over; the time for “Yes” is now. Be a part of the Impact for Tampa Bay. * w w w.v a n g u a r d n g r.c o m / 2 0 1 6 / 1 0 / impact-entrepreneurship-economicgrowth-development/ 15

Fall Fashion

Fall back to the basics… A

By Kristin Wright

lthough fall trends are anything but that! Color palettes shift towards darker shades with bold pop colors, prints and mixed fabrics. Designers are incorporating both old and new school elements to their collections

Denim, denim and more denim Denim is back in focus for the season with cropped styles, unfinished hems and destruction. Statement denim is seen throughout the market from numerous brands. Patchwork, embroidered details, embellishments and two-tone fabrics are just a few of the additions to basics. The relaxed boyfriend and mid-rise carry over from summer as well. True Religion, NYDJ and Rag & Bone have options that are right on trend.

Pair It. Wear It. • Pair a two-toned ankle length jean with a statement blouse. Ruffles are HUGE and will be seen on casual tops, blouses and sweaters. Cold shoulder and off shoulder tops are updated with ruffle details. Finish your look with a simple multi-layered necklace and statement bag. o Add a bootie in a print or in this season’s pop color, RED! o Slip on a trendy Mule shoe to create a lax day look, layered with a basic tee and light textured jacket on a “cool” day. Accessorize with a neck scarf. • The Mule o The Mule is seen everywhere across brands in all different fabrications. You will see this shoe in velvet, suede, satin and canvas with embellishments and embroidery. This shoe is a modern spin to the classic loafer that adds a chic finish to any outfit. It can be easily paired with slacks, denim, dresses and skirts. CONTINUED ON PAGE 18


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Men, denim fits are structured in the leg with slim straights and tapers being the go-to. There is a big focus on textures and fabrics. Brands are adding to fabrications, lending a softer hand and more comfortable fits. Coated denim and dark washes offer versatility and can be paired to fit any occasion.

Pair It. Wear It. •P  air a light blazer or sports coat with a short sleeve woven for business casual. Prints and florals remain dominant, so don’t be afraid to add some pizazz to your look. Complete with a Ludlow Chukka Boot or leather Chelsea Boot. Of course you can never go wrong with a classic wing tip or oxford. • To dress down this look, layer with a tee and complete with a basic leisure shoe like a Chuck Taylor or Adidas Stan Smith.

Get REDy Against traditional fall shades, red is the pop color of the season. Usually a holiday wear, this hue is entering the scene a few months early styled in head-to-toe ensembles. • Create a tonal look by mixing your reds. For example, pair a Crimson bottom or top with a Cabernet to create a colorblock. Feel daring? Top it off with another tone of red in your bag and shoe. o You can also finish this look with a bootie, boot or heel to fit the occasion.

Ready or Not… There are a lot of updates to what we consider basic fall fashions: • Silk fabrics are seen across both sides. Ladies, you will see lingerie-inspired pieces throughout collections. o Men, silk button downs are easily paired for day or night. Ted Baker, Hugo Boss and Diesel have some great wovens that can transform any lax look to business dressy • Prints remain and will carry us into holiday. You will continue to see florals with the addition of animal prints and houndstooth.

Don’t go with your basic instincts. Dare to wear this season’s trends. 18

Doctor’s Life Tampa Bay

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Tickets On Sale Now

50th ANNIVERSARY It’s a Party All Year Long, and You’re Invited!

Tampa Bay Times Masterworks

Beethoven’s Symphony No. 7 Nov 3 - 5

50th Jeffrey ANNIVERSARY Marvin Hamlisch Multer Raymond James Pops

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Rachmaninoff’s Symphony No. 2 Dec 1 - 3 Sunday Matinee!

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ARE THEY WORKING IN YOUR BEST INTEREST? Let's face it: finances can be complicated. Whether opening a new investment account, saving for your child's college fund or rolling over a 401(k), sometimes you need professional financial help. But who do you turn to? A financial advisor can be a great resource for professional guidance so that you're not making critical investment decisions on your own, but did you know that not all financial advisors are equal? Some financial advisors may be little more than salespeople trying to sell you investment products that may or may not be in your best interest, but earn them a hefty commission. If you're looking for an advisor who truly has your back, you need to work with what is called a "fiduciary." As a fiduciary, your advisor is legally required to place your interests ahead of their own. It can be difficult to know who to trust - especially when advisors misrepresent their services with carefully crafted wording that gives the appearance of being a fiduciary, even when they are not. According to a recent survey from Financial Engines, America's largest independent investment advisors, 53 percent of Americans mistakenly believe that financial advisors are already legally required to put their clients' best interest first. Only 50 percent of investors who work with a financial advisor are certain that


their advisor is a fiduciary, while 38 percent don't know if their advisor is a fiduciary or not. Most investors aren't aware of how their advisors get paid and that advisors may not always be acting in their client's sole best interest. For example, some advisors may recommend clients invest in funds or services that provide the advisor with a commission. Sometimes doing so is mutually beneficial for both the investor and the advisor. But other times, the investor may end up with higher or unnecessary fees and it's the advisor who comes out on top. So how can you tell if a potential or current advisor is a fiduciary? Here are a few key questions to ask before making a decision to work with them:

Doctor’s Life Tampa Bay

1. Are you a fiduciary? A direct question deserves a direct answer. Pay attention to how the advisor responds. If your advisor has told you that he or she is acting as a fiduciary, ask them to show that to you in writing. CONTINUED ON PAGE 22

Issue 5, 2017

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According to a Financial Engines survey, 53 percent of Americans mistakenly believe that financial advisors are already legally required to put their client's best interest first. Make sure the financial advisor you turn to is a fiduciary.

2. Do you receive any type of compensation in addition to what I'm paying you?

4. Have you ever been cited by a professional or regulatory body for disciplinary reasons?

Some advisors receive commissions or other product-based compensation when they steer clients into particular investment products (including mutual funds, annuities and variable annuities). This is a clear conflict of interest and can indicate that the advisor is not, in fact, a fiduciary. Make sure your advisor is providing unbiased advice and not simply selling you investment products.

To be extra sure, you can look up the advisor's records on FINRA's BrokerCheck to find out if they have any complaints - especially complaints related to providing financial and advisory services.

3. Are you "dual-registered"? Some advisors are registered as both investment advisors and broker-dealers. Often, a broker-dealer is acting in the role of a salesperson. If your advisor is also a broker-dealer, make sure you understand which hat they are wearing when providing advice to you.


As your finances become more complex, you may consider getting help from a financial professional. Make sure your advisor is required to act in your best interest as a fiduciary before you trust them with your hard-earned money. By asking the right questions, you can confidently navigate the process and choose an advisor who is right for you.

Doctor’s Life Tampa Bay

Issue 5, 2017








Doctor's Life Magazine Vol. 5 Issue 5, 2017  
Doctor's Life Magazine Vol. 5 Issue 5, 2017  

The Leading Tampa Bay Publication for Physicians Featuring Business, Lifestyles, and Opportunities.